Shubham Housing Development Finance Company

Shubham Housing Development Finance Company is a prominent affordable housing finance company in India, established in February 2010.

It specializes in providing retail home loans and loans against property to low-to-middle income borrowers, particularly those with informal or undocumented income sources. The company aims to offer housing finance solutions through innovative credit programs that do not rely on traditional income proof. With a mission to enhance financial inclusion, Shubham has transitioned from document-based underwriting to customized credit programs that consider a holistic view of clients' needs. The company operates across 12 states and union territories in India, with a network of around 180 branches serving over 15,000 customers. Shubham is recognized for its strong presence in the North and West regions of India, focusing on individuals who are often excluded from formal credit structures.